The following describes in detail all about the risks of fingering.

Fingering is considered low-risk for HIV. I am not aware of any cases of anyone becoming infected with HIV specifically through this activity. If there are fresh, open cuts on the fingers, there would be some possibility of infection. However, since most of the time people don't have fresh open cuts on their fingers, this is generally considered a low-risk activity.

Any breakdown in the integrity of the skin can allow HIV to enter the bloodstream. This includes cuts, abrasions, lesions from STDs (like herpes) or skin problems like dermatitis. For cuts, once a scab forms (usually within a few hours), this would no longer give access to the bloodstream, preventing HIV from entering. Of course, the deeper the cut, or the more severe the damage to the skin, the longer it will take for healing to take place. Not everyone heals (and therefore produces a scab) at the same rate, so nobody can give you an exact amount of time it would take for a cut to heal, or for a scab to form. But the larger the cut, the greater the amount of time it would take for a scab to form, and for the cut to heal. Let me repeat that the amount of time it takes for a scab to form, and for a cut to heal, can vary from person to person.

Cuts and abrasions are much more likely to occur on mucous membranes than regular skin. Mucous membranes are found on the head of the penis, the vagina, rectum, eyes, nose and mouth. Mucous membranes are much thinner than the skin found on your hands and other parts of your body. Therefore, mucous membranes are much more likely to have microscopic cuts and abrasions. If you were to get vaginal secretions directly in a fresh open cut on your hands, yes, there is a possibility of infection. But there would be an even greater possibility of infection if vaginal secretions were to get onto a mucous membrane like the mouth or the head of the penis. So don't panic if you get vaginal secretions on your hands. The skin on your hands is much thicker than the linings made of mucous membranes. The thicker the skin, the less the chance for abrasions and cuts.

Fingering is normally not a high risk activity for HIV. All anyone can say is that if there is a fresh open cut on the finger (see above), then there would be some risk of infection if blood, semen, or vaginal secretions had a direct access to that opening. But the risk is less than intercourse or giving oral sex. That's all anybody could ever say on this issue. It is normally a low risk activity for HIV.